Webhooks & Integrations

​

Purpose

Provides real-time communication tracking and synchronization between YouNegotiate and external service providers.

​

SendGrid Email Events

​

Functions

• Email delivered
• Email opened
• Email bounced
• Email tracking updates

​

Processing

SendGrid webhooks update:

• Communication history
• Campaign tracking
• Delivery statistics
• Open statistics

​

Twilio SMS Events

​

Functions

• SMS delivered
• SMS failed
• SMS status updates

​

Processing

Twilio webhooks update:

• Communication history
• SMS delivery tracking
• Campaign statistics

​

Twilio Inbound SMS

​

Supported Commands

Opt-Out Commands:

• STOP
• STOPALL
• UNSUBSCRIBE
• CANCEL
• END
• QUIT

Opt-In Commands:

• START
• UNSTOP
• YES

​

Processing

Inbound SMS updates:

• Consumer communication permissions
• SMS opt-out status
• SMS opt-in status
• Future communication eligibility

​

Communication Queue Processing

All communications are processed through background jobs.

​

Includes

• Consumer notifications
• Creditor notifications
• Campaign communications
• Reminder communications
• CFPB EcoLetter notifications

​

Key Rule

Communications must never be sent directly from user-facing pages. All communications must be queued and processed asynchronously.

​

Notification Jobs

Notification jobs support:

• Account delivery notifications
• Offer update notifications
• Payment notifications
• Failed payment notifications
• Upcoming payment reminders
• Account expiration reminders
• Campaign communications

​

Key Rule

Notification processing must respect:

• Communication preferences
• Consumer consent settings
• SMS opt-outs
• Email opt-outs
• Valid contact information

​

Developer Notes

• All integrations must support logging and audit trails.
• Webhooks should validate provider signatures.
• Communication tracking must remain provider-driven.
• Consumer opt-out actions must immediately affect future communications.
• Background processing should remain isolated from user-facing workflows.
• Failed integrations should not interrupt portal operations.

​

Related Systems

• Account Import & Processing
• Offer & Notification Delivery
• Negotiations
• Communications
• Membership & Billing Management
• Consumer EcoPortal
• EcoMail Hub
• Performance Dashboard
• Compliance Dashboard